Saturday 17 October 2026 Export SFBC’s income statement to Excel — free account

Sound Financial Bancorp, Inc.

Sound Financial Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $61.5 million, down 0.82% from fiscal 2024. In the quarter to June 2026, revenue grew 1.50%, EPS grew 22.5%, free cash flow grew 132.1% and total debt fell 78.7%, each against the same quarter a year earlier. Dividend growth for three consecutive years.

43.51 0.02 −0.05%

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Market cap: $111.8M
P/E: 13.9×
Fwd P/E: —
Dividend yield: 1.88%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	15.69	29.09	13.61	11.55	12.43	9.18	13.64	11.54	16.24	12.72
Piotroski F-Score Full definition →	6	5	5	6	5	3	4	7	5	7
P/S ratio Full definition →	1.81	2.16	1.81	2.28	2.76	1.92	2.36	2.17	2.66	2.28
P/FCF ratio Full definition →	15.95	46.26	15.59	10.48	6.03	0.00	8.74	8.40	19.17	11.18
P/Operating CF Full definition →	55.62	875.09	47.34	22.05	16.18	8.94	23.69	92.19	98.33	32.38
P/B ratio Full definition →	1.02	1.29	1.00	1.04	1.22	0.95	1.17	1.14	1.28	1.14
Price to Tangible BV Full definition →	1.02	1.29	1.00	1.04	1.22	0.95	1.17	1.14	1.28	1.14
EV/Sales Full definition →	(0.15)	2.05	1.84	2.21	(1.41)	(2.38)	1.11	2.76	2.61	2.28
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	(1.28)	43.32	14.88	9.76	(3.06)	208.39	3.86	10.02	11.97	9.63
EV/FCF Full definition →	(1.31)	43.89	15.91	10.16	(3.09)	113.20	4.10	10.69	18.78	11.21
Quick Ratio Full definition →	0.15	0.05	0.06	0.07	0.23	0.26	0.09	0.11	0.12	0.12
Current Ratio Full definition →	1.09	1.12	1.14	1.14	1.09	1.09	1.09	1.23	1.18	1.18
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	1.63%	3.70%	5.20%	5.60%	1.26%	1.35%	1.04%	11.72%	9.14%	9.31%
Debt/Equity Full definition →	0.16	0.35	0.51	0.56	0.12	0.14	0.10	1.17	0.91	0.91
Asset Turnover Full definition →	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.06	0.05	0.05
Operating CF/Net income Full definition →	1.00	0.64	0.93	1.15	2.08	(0.05)	1.66	1.47	1.33	1.33
Capex/Depreciation Full definition →	(0.11)	(0.02)	(0.26)	(0.24)	(0.13)	(0.21)	(0.42)	(0.62)	(2.63)	(1.20)
ROE Full definition →	6.69%	4.51%	7.45%	9.15%	10.24%	10.95%	8.94%	10.29%	8.17%	9.37%
ROA Full definition →	0.68%	0.46%	0.75%	0.92%	1.03%	1.13%	0.93%	1.03%	0.83%	0.95%
ROIC Full definition →	0.00%	3.65%	5.48%	7.19%	0.00%	0.00%	17.67%	5.83%	8.07%	8.34%
Return on Tangible Assets Full definition →	7.56%	4.37%	6.30%	7.56%	12.00%	12.25%	10.58%	5.32%	5.09%	5.96%
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	49.12%	48.38%	53.68%	65.35%	62.67%	55.69%	58.69%	62.34%	63.07%	63.56%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.49%	0.63%	0.81%	1.07%	0.87%	0.80%	0.69%	0.73%	1.67%	1.74%
Graham Net Nets Full definition →	0.51	0.37	0.45	0.40	0.38	0.48	0.34	0.42	0.33	0.35
Graham Number Full definition →	51.74	40.75	50.46	53.85	53.65	50.96	42.74	42.65	34.65	34.40
Earnings Yield Full definition →	6.37%	3.44%	7.35%	8.66%	8.05%	10.90%	7.33%	8.66%	6.16%	7.86%
Free Cash Flow Yield Full definition →	6.27%	2.16%	6.41%	9.54%	16.58%	(1.09%)	11.44%	11.91%	5.22%	8.95%
Revenue per Share Full definition →	24.07	24.39	21.71	17.21	15.95	16.54	15.28	14.99	12.50	12.13
Operating CF per Share Full definition →	2.80	1.15	2.69	3.90	7.38	(0.19)	4.38	4.13	2.73	2.87
Capex per Share Full definition →	(0.07)	(0.01)	(0.17)	(0.15)	(0.09)	(0.16)	(0.26)	(0.26)	(0.99)	(0.40)
Free Cash Flow per Share Full definition →	2.74	1.14	2.51	3.75	7.30	(0.35)	4.12	3.88	1.74	2.47
Cash per Share Full definition →	54.17	17.16	19.40	22.43	71.08	75.63	22.07	24.74	24.23	21.95
Shareholders Equity per Share Full definition →	42.80	40.77	39.29	37.90	36.14	33.35	30.76	28.67	26.02	24.24
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	42.80	40.77	39.29	37.90	36.14	33.35	30.76	28.67	26.02	24.24
Free Cash Flow Full definition →	6.99	2.89	6.44	9.66	18.85	(0.89)	10.41	9.68	4.35	6.14
Working Capital Full definition →	90.15	100.71	112.11	110.14	70.47	66.70	56.34	125.30	93.31	84.64
Capital Expenditures Full definition →	(0.17)	(0.04)	(0.44)	(0.40)	(0.22)	(0.41)	(0.65)	(0.64)	(2.47)	(1.01)
Net Current Asset Value Full definition →	56.92	49.30	44.90	40.66	42.66	39.13	31.16	33.93	27.70	24.34
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.00	0.00	0.01	0.01	0.01	0.01	0.02	0.02	0.08	0.03
Price to Operating Income Full definition →	12.86	23.71	11.16	9.31	9.95	7.18	10.92	9.30	10.18	8.50
Other line items
Depreciation/Fixed assets Full definition →	0.38	0.35	0.33	0.30	0.30	0.32	0.23	0.15	0.13	0.15
Cash ROIC Full definition →	2.63%	1.57%	3.19%	4.59%	6.53%	(0.31%)	7.38%	4.45%	2.35%	3.62%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.03	0.03	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	15,304.44	11,595.50	18,001.48	65,599.67	73,694.18	36,646.05	29,552.59	37,698.58	55,747.03	58,486.40
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	893.34	832.17	817.65	803.54	773.15	682.35	585.16	534.00	491.07	453.88
Average Assets Full definition →	1,042.90	994.43	985.79	948.02	890.55	790.63	718.29	680.99	616.81	564.57
Average Common Equity Full definition →	106.53	102.16	99.18	95.53	89.42	81.61	74.68	68.39	62.72	57.40

Fold the line items

Columns are period end dates

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